ITIN Auto Loans by State: Banks and Credit Unions That Accept ITIN for Car Loans (2026)

A state-by-state list of banks and credit unions that accept ITIN for auto loans — verified from official lender websites.

Buying a car without a Social Security Number can feel confusing.

Many lenders require an SSN for a traditional auto loan, but some banks and credit unions in the United States accept an ITIN (Individual Taxpayer Identification Number) instead.
This page provides a state-by-state list of banks and credit unions that offer ITIN auto loans or allow vehicle loan applications using an ITIN.
All lenders on this list were identified from official bank or credit union websites that mention ITIN lending or ITIN eligibility for vehicle loans.
Because lending policies change frequently and some institutions do not publish their ITIN programs publicly, this list may not include every lender that offers ITIN auto loans.
If you are already negotiating a car purchase and want to make sure the deal is fair, you can also use Integris Plus Deal Review to check pricing, hidden fees, and contract terms before signing.

Alabama
No verified bank or credit union with a clearly published ITIN auto-loan page found in this search.

Alaska
No verified bank or credit union with a clearly published ITIN auto-loan page found in this search.

Arizona
No verified bank or credit union with a clearly published ITIN auto-loan page found in this search.

Arkansas

Red River Credit Union — ITIN membership/loan program includes ITIN auto loans; serves Arkansas as part of its TX/AR/LA/MS/OK footprint.

California

KeyPoint Credit Union — dedicated “Auto Loans for ITIN Holders” page.
OceanAir Federal Credit Union — dedicated ITIN auto-loan / auto-refi page.
Santa Ana Federal Credit Union — says it is an ITIN-approved lender and lists auto loans for ITIN members.
Rize Credit Union — ITIN page plus auto-loan pages say loans are available to those with ITIN.
Bay Federal Credit Union — auto-loan requirements indicate SSN or ITIN accepted.

Colorado
No verified bank or credit union with a clearly published ITIN auto-loan page found in this search.

Connecticut

Mutual Security Credit Union — ITIN loan program page tied to auto loans.

Delaware
No verified bank or credit union with a clearly published ITIN auto-loan page found in this search.

Florida

Keys Federal Credit Union — ITIN-approved lender; auto loans listed for ITIN members.

Georgia
No verified bank or credit union with a clearly published ITIN auto-loan page found in this search.

Hawaii
No verified bank or credit union with a clearly published ITIN auto-loan page found in this search.

Idaho

CapEd Credit Union — dedicated “ITIN Lending for Auto Loans” page.

Illinois

GreenState Credit Union — ITIN lending page explicitly says ITIN holders can get auto loans; footprint includes Illinois.

Indiana
No verified bank or credit union with a clearly published ITIN auto-loan page found in this search.

Iowa

GreenState Credit Union — ITIN lending page explicitly includes auto loans in Iowa, Illinois, and Nebraska.
Cobalt Credit Union — ITIN lending page says members with ITINs can use its auto-loan program; service area includes Nebraska and Iowa.

Kansas
No verified bank or credit union with a clearly published ITIN auto-loan page found in this search.

Kentucky
No verified bank or credit union with a clearly published ITIN auto-loan page found in this search.

Louisiana

Red River Credit Union — ITIN auto loans; serves Louisiana as part of its multi-state field of membership.

Maine
No verified bank or credit union with a clearly published ITIN auto-loan page found in this search.

Maryland
No verified bank or credit union with a clearly published ITIN auto-loan page found in this search.

Massachusetts

Greylock Federal Credit Union — Greylock says its ITIN lending includes “New Road Loans” for new and used vehicles.
Members Credit Union — auto-loan page says loans are available to members including ITIN holders.

Michigan

Consumers Credit Union — auto-loan page says it accepts applications from people with ITINs.

Minnesota

St. Cloud Financial Credit Union — ITIN lending page lists auto loans.

Mississippi

Red River Credit Union — ITIN auto loans; serves Mississippi as part of its multi-state footprint.

Missouri
No verified bank or credit union with a clearly published ITIN auto-loan page found in this search.

Montana
No verified bank or credit union with a clearly published ITIN auto-loan page found in this search.

Nebraska

GreenState Credit Union — ITIN lending page explicitly includes auto loans and Nebraska service.
Cobalt Credit Union — ITIN lending page explicitly references auto and mortgage loans for ITIN borrowers.

Nevada
No verified bank or credit union with a clearly published ITIN auto-loan page found in this search.

New Hampshire
No verified bank or credit union with a clearly published ITIN auto-loan page found in this search.

New Jersey
No verified bank or credit union with a clearly published ITIN auto-loan page found in this search.

New Mexico
No verified bank or credit union with a clearly published ITIN auto-loan page found in this search.

New York

Lower East Side People’s Federal Credit Union — ITIN services page says ITIN holders can access car loans.

North Carolina

Latino Credit Union — official site ties ITIN/special services to its auto-loan offerings.

North Dakota
No verified bank or credit union with a clearly published ITIN auto-loan page found in this search.

Ohio
No verified bank or credit union with a clearly published ITIN auto-loan page found in this search.

Oklahoma

Red River Credit Union — ITIN auto loans; serves Oklahoma as part of its multi-state footprint.

Oregon

Embold Federal Credit Union — ITIN lending page includes auto and RV loans; service area is Oregon counties.
Pacific NW Federal Credit Union — ITIN loans page explicitly lists auto loans.
Fibre Federal Credit Union / TLC — ITIN lending page says consumer loans for ITIN members; footprint spans Washington and Oregon.

Pennsylvania
No verified bank or credit union with a clearly published ITIN auto-loan page found in this search.

Rhode Island
No verified bank or credit union with a clearly published ITIN auto-loan page found in this search.

South Carolina
No verified bank or credit union with a clearly published ITIN auto-loan page found in this search.

South Dakota
No verified bank or credit union with a clearly published ITIN auto-loan page found in this search.

Tennessee
No verified bank or credit union with a clearly published ITIN auto-loan page found in this search.

Texas

American Bank of Dallas — vehicle-loan page says it specializes in auto loans for people with an ITIN.
Resource One Credit Union — ITIN lending includes auto loans.
Red River Credit Union — dedicated ITIN membership/loan page includes ITIN auto loans.

Utah

Canyon View Credit Union — ITIN services page says ITIN holders have access to credit products including auto loans.
Granite Credit Union — ITIN services page says all loan products are available to ITIN holders, including car loans.
Cyprus Credit Union — ITIN lending page plus auto-loan pages confirm ITIN lending and vehicle-loan program.

Vermont
No verified bank or credit union with a clearly published ITIN auto-loan page found in this search.

Virginia
No verified bank or credit union with a clearly published ITIN auto-loan page found in this search.

Washington

WECU — auto-loan FAQ says it accepts ITINs for car loans.
Peninsula Credit Union — dedicated ITIN lending page explicitly lists ITIN auto loans.
Northwest Plus Credit Union — ITIN lending page says ITIN holders can apply for auto loans.
Great NorthWest Federal Credit Union — auto-loan FAQ says “Do you offer ITIN loans? Yes, we do.”
Express Credit Union — ITIN services page and product menus list ITIN accounts/loans and auto loans.
Fibre Federal Credit Union / TLC — ITIN lending page plus WA/OR footprint.
Pacific NW Federal Credit Union — ITIN loans page explicitly lists auto loans; serves Oregon/Washington area.

West Virginia
No verified bank or credit union with a clearly published ITIN auto-loan page found in this search.

Wisconsin

Prime Financial Credit Union — dedicated “Auto Loans with ITIN” page.
UW Credit Union — auto-loan page says UWCU accepts ITIN for vehicle-loan applications.

Wyoming
No verified bank or credit union with a clearly published ITIN auto-loan page found in this search.

Frequently Asked Questions

Can you get a car loan without a Social Security Number?

Yes. It is possible to get a car loan in the United States without a Social Security Number.
Some banks and credit unions allow borrowers to apply for an auto loan using an ITIN (Individual Taxpayer Identification Number) instead of an SSN.
Lenders that offer ITIN auto loans usually review additional factors such as:
Proof of income
Employment history
Down payment
Credit history (if available)
Credit unions and community banks are often more flexible than large national banks when it comes to ITIN financing.
If you are planning to buy a car and do not have a Social Security Number, working with a lender that accepts ITIN can make it possible to finance a vehicle legally in the United States.

How to get a car loan with an ITIN?

Some banks and credit unions allow borrowers to apply for an auto loan using an ITIN (Individual Taxpayer Identification Number) instead of a Social Security Number.
These lenders evaluate applications using factors such as:
Proof of income
Employment history
Down payment
Credit history (if available)
Credit unions and community banks are usually more likely to offer ITIN auto loans than large national banks.

What is an ITIN?

An ITIN (Individual Taxpayer Identification Number) is a tax identification number issued by the IRS to individuals who are required to file taxes in the United States but are not eligible for a Social Security Number.
An ITIN allows individuals to:
File U.S. taxes
Open bank accounts
Apply for certain types of loans, including some auto loans

What documents are required for an ITIN auto loan?

Requirements vary by lender, but most ITIN auto loans require:
ITIN number
Valid government ID or passport
Proof of income (pay stubs or bank statements)
Proof of address
Down payment
Some lenders may also ask for a utility bill or tax return to verify identity and residence.

Do you need a credit score to get an ITIN car loan?

Not always.
Some lenders offer first-time buyer or alternative credit programs, which means they may consider other factors instead of a traditional credit score.
Examples include:
Rental payment history
Utility payment history
Bank account activity
Employment stability
However, having a credit history can improve your chances of approval and may help you qualify for a lower interest rate.

Are interest rates higher for ITIN auto loans?

Interest rates for ITIN auto loans can sometimes be higher than traditional auto loans, especially for borrowers with limited credit history.
Rates may depend on several factors, including:
Down payment amount
Income stability
Credit history
Vehicle age and mileage
Making a larger down payment can often help reduce the interest rate.

Before You Sign Your Car Deal

Even with the right financing, many buyers still overpay for their vehicles or sign contracts with hidden fees.
Integrity Carbuyer helps used car buyers:
✔ review the deal
✔ analyze the vehicle history
✔ check the real market value
✔ identify hidden fees

Learn More